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Retirement Strategies Myths


The Five Retirement Myths

1. Buy-and-hold always wins.

Focus on participating in a strategy that offers growth potential but protects against market losses. “Buy-and-hold” can work – but only with the right strategy.


2. You can’t achieve big returns without taking big risks.

Many individuals believe that, in order to receive inflation-beating returns, they must put their money at risk. Protecting against loss is so important; when your portfolio experiences losses, your growth years can simply work to get you back where you began.


3. Average returns tell an accurate story.

Markets do experience negative years, so an averaging method will rarely work. Employ a strategy that never has to factor in a market loss (a negative number), then the average return and the actual return in your portfolio will be the same.


4. You can effectively manage your own portfolio.

The internet will always help you be just “one click away” from learning how to do something. With opinions always varying, how can you ever know if something is right or wrong for you? Work with a well-trained and licensed financial professional. A person who cares a lot about you and your money will help you take the emotion out of it and help you to identify your true objective.


5. If something is really that good, everyone would be doing it.

Often, people mock and doubt what they don’t understand or haven’t experienced. Do you believe a strategy exists that can protect you against market loss while still offering growth potential? Do a little homework and check out the facts and figures for yourself.



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